816 E 20th St, Charlotte, NC 28205 Property Records

Mecklenburg County property record for 816 E 20th St, Charlotte, NC 28205

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,504 sqft · built 1928
Lot Size	0.136 acres (5,925 sqft)
Owner	Individual Name on File
Last Sale	$700,000 (Nov 2025)
Tax Bill	$4,524 (2024)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Jan 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`081-108-12`

Property Details

APN / Parcel Number

Primary APN	`081-108-12`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,504 sqft Heated Area
1st Floor Area	1,312 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1928
Architectural Style	Other
Exterior Material	Wood
Foundation Type	Raised
Roof Material	Asphalt
Lot Area	5,925 sqft (0.136 acres)
Garage Area	576 sqft
Porch	Porch
Porch Area	400 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air
Heating Fuel	Gas

Location & Zoning

Street Address	816 E 20TH ST
City	CHARLOTTE
State	NC
Zip	28205-2634
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-5
Legal Description	P14 B23 M230-3
Legal Subdivision	EAST END
Legal Block	23
Legal Lot Number	14
Jurisdiction	MECKLENBURG NC
Township / Civil Division	1, CHARLOTTE
Census Block Group	1
Census Block	1013
Census Tract	800

Owner

Source: Mecklenburg County assessment roll, as of January 1, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	816 E 20TH ST, CHARLOTTE, NC 28205-2634
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 24, 2025	Warranty Deed, Transfer · VA Mortgage WELLS FARGO BANK NA
Jan 21, 2022	Warranty Deed, Transfer · Conventional Mortgage SOUTHSTATE BANK NA
Aug 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LNS

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Nov 24, 2025 · Amount on Record
Deed Sale	Nov 24, 2025 · Amount on Record
Prior Sale	Jan 21, 2022 · Amount on Record
Deed Document Number	2025120758
Deed Book / Page	40026 / 117
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Nov 24, 2025
Property Address	816 E 20TH ST, CHARLOTTE, NC 28205-2634
Document Number	0000120758
Book / Page	40026 / 117
Map Reference	MB 230 PG 3
Instrument Date	Nov 24, 2025
Instrument	2025120758
Transaction Type	Transfer
Record Updated	May 22, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,400.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2615 CHESTERFIELD AVE, CHARLOTTE, NC 28205-6146

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	816 E 20TH ST, CHARLOTTE, NC 28205-2634

Mortgage

Document Number	0000120759
Date	Nov 24, 2025
Instrument	2025120759

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MECKLENBURG NC
Recording Date	Jan 21, 2022
Property Address	816 E 20TH ST, CHARLOTTE, NC 28205-2634
Document Number	0000011442
Book / Page	36991 / 1
Map Reference	MB 230 PG 3
Instrument Date	Jan 21, 2022
Instrument	2022011442
Transaction Type	Transfer
Record Updated	May 22, 2026
Title Company	INVESTOR TITLE INSURANCE COMPANY, INVESTORS TITLE INSURANCE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,210.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1000 LUNSFORD PL, CHARLOTTE, NC 28205-1948

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

Mortgage

Document Number	0000011443
Date	Jan 21, 2022
Instrument	2022011443

Lender

Name	SOUTHSTATE BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

Interest

Rate Type	Adjustable Rate
Rate	3.25%
Type Change Date	Feb 1, 2029
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	5.25%
Index	1-Year CMT
Max Rate	9.25%

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MECKLENBURG NC
Property Address	816 E 20TH ST, CHARLOTTE, NC 28205-2634
Document Number	0000099687
Instrument Date	Aug 2, 2018
Transaction Type	Mortgage
Record Updated	Aug 24, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	816 E 20TH ST CHARLOTTE NC 282052634, CHARLOTTE, NC 28205-2634

Mortgage

Document Number	0000099687
Date	Aug 7, 2018
Book Page	032888/000903
Instrument	99687

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 6, 2048

Tax Assessment & Valuation

Source: Mecklenburg County assessment roll, as of January 1, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	Mecklenburg County
Municipality	Charlotte City
Unified School District	Charlotte-Mecklenburg Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025		$597,500 Land $315,000 Building $282,500
2024	$4,524.00
2023			$597,500 Land $315,000 Building $282,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective October 3, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 2 (40% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHARLOTTE WATER serves 1,206,285 people · EPA ID NC0160010
Water Source	Surface water
Last State Inspection	Jul 2025
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 413 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
T-Mobile USA Fixed Wireless	100 / 20

May also be available: Google Fiber.

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